| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -13.1% | +4.4% | -17.5 pts |
| Deposit growth (YoY) | -19.9% | +4.0% | -23.8 pts |
| Loan growth (YoY) | -13.0% | +5.6% | -18.6 pts |
| ROA | -0.02% | 1.24% | -1.3 pts |
| ROE | -0.2% | 11.9% | -12.0 pts |
ROA ranks in the 3rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $361.1M | $286.3M | $302.4M | $37.9M | $-33K | -0.02% | 3.78% | 3.28% |
| Q1 2026 | $360.8M | $306.1M | $299.4M | $37.8M | $-491K | -0.52% | 3.63% | 2.96% |
| Q4 2025 | $392.9M | $336.7M | $316.2M | $38.5M | $806K | 0.19% | 3.51% | 2.76% |
| Q3 2025 | $398.4M | $342.3M | $332.0M | $38.2M | $594K | 0.18% | 3.52% | 1.85% |
| Q2 2025 | $415.6M | $357.2M | $347.6M | $39.7M | $422K | 0.19% | 3.44% | 1.77% |
| Q1 2025 | $436.5M | $374.5M | $356.1M | $39.9M | $834K | 0.72% | 3.20% | 2.05% |
| Q4 2024 | $484.4M | $410.0M | $399.9M | $38.8M | $463K | 0.09% | 3.22% | 1.75% |
| Q3 2024 | $503.9M | $410.5M | $411.8M | $40.5M | $1.6M | 0.38% | 3.25% | 1.89% |
Loan mix (Q2 2026): real estate $269.7M · commercial $27.3M · consumer $6.3M · securities $25.3M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.02% | 1.24% | 3th | |
Return on equity Annualized net income ÷ equity or net worth | -0.2% | 11.9% | 3th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.78% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 106.2% | 62.9% | 98th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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